Go to CDC with a mouth cut
if you are afraid of risks, you can go to the bank to buy financial procts, such as chuangying No.1 of Huaxia Bank, Zhulian coin joint of ICBC and other capital preservation financial procts, whose income is higher than that of Monetary Fund
There is no direct bus
you can take the subway line 2 → 980 express / 980 → Mi 51 to get to
its night view is unique. It has become a new landmark of Beijing night tour, with convenient transportation at the junction of Hebei Province. It is about an hour and a half drive from the Capital International Airport and Beijing City, and about 45 minutes drive from Miyun District and Chengde city
there are 430000 square meters of beautiful mountain courtyard buildings with the style of the Republic of China in the scenic area, covering a total area of 9 square kilometers. It is a holiday town with unique Northern Style at the foot of the Great Wall, integrating sightseeing, leisure, business exhibition, creative culture and other tourism formats
fixed investment fund is the simplest and least need to choose the time of fund investment, because the long-term investment time has already spread the investment cost equally, so there is no need to buy expensive or cheap. So it's OK to start casting at any time
there are many funds with good performance that can be fixed investment, but before choosing a fund, it is better to make clear your risk tolerance and the length of fixed investment time, so as not to fall into the investment misunderstanding. For investors with different risk tolerance and investment time, the funds they can choose are different
fixed investment of fund is only a kind of financial management behavior, not a wealth making behavior, so only long-term accumulation (at least 5 years) can see the effect, and people without patience will not enjoy the results of fixed investment of fund
this is a question I have answered for many novices. It is quite common. You can have a look first
1. What is a fund
I want to ask you first: do you know what is stock speculation
if you know, it's easy to say that fund (stock type) means that we give money to fund companies to buy stocks. Then why should we give it to fund companies instead of buying it ourselves? Because the professional staff of the fund company has a higher level of stock speculation than our ordinary investors (this is the most commonly used temptation word when the fund company persuades you to buy the fund)
therefore, investment in stock funds is indirect investment in stocks, so the funds will more or less bear the risk of stocks. Many investors, in fact, do not know that the fund is an indirect investment in stocks, so they think that the fund is a stable profit without loss, which is a big mistake
just because we give money to fund companies to buy stocks, we always have to give people a little service fee, so there are subscription fee and redemption fee
of course, as a fund company, e to its professional staff (rich knowledge in stock speculation) and huge capital (it can buy many stocks), it has a much greater chance of profit than retail investors objectively. That is to say, many people think that funds are still the first choice for investment, rather than touching stocks
in addition, there are bond funds. To buy bond funds is equivalent to giving money to fund companies to buy bonds. Maybe you will ask again: why not buy it yourself? Because the fund company has a lot of money and is an institution, it can buy a lot of corporate bonds that are not open to ordinary investors, and the profit is much higher than the Treasury bonds we can buy
in this way, I wonder if you can understand
you can understand it like this: a fund means that many people give a lot of money to a fund company to buy stocks or bonds
2. Fund investment cost
Monetary Fund --- no cost
bond fund --- subscription fee of about 0.8%; The redemption fee is 0.1% - 0.3% (within one year). The redemption fee decreases with the holding time of the fund. Generally, the redemption fee is free for more than three years
stock fund --- the subscription fee is about 1.5%, and the redemption fee is 0.5% (within one year). The redemption fee decreases with the holding time of the fund. Generally, there is no redemption fee for more than three years
this is just a general standard. There are different rates for buying funds at bank counters, bank online banking and fund company websites, among which the fund company website is the most favorable. So, you have to make sure when you buy it
whether it is purchase or redemption, the handling charge is calculated according to the amount
take the stock fund as an example:
purchase (purchase according to the amount, that is to say, buy a fund of 100000 yuan):
suppose that the net value of a fund on the day of purchase is 0.850 yuan
handling charge: 100000 yuan × 1.5% = 1500 yuan
actual subscription Fund: 100000-1500 = 98500 yuan
subscription share: 98500 yuan ÷ 0.850 = 115882.35 shares
redemption (redemption by shares, that is, to redeem XXX shares of a fund):
suppose that the net value of a fund on the day of redemption is 1.250 yuan
fund amount: 115882.35 yuan × 1.250 = 144852.94 yuan
handling charge: 144852.94 yuan × 0.5% = 724.26 yuan
actual redemption amount: 144852.94-724.26 = 144128.68 yuan
your actual profit of this investment is 44128.68 yuan, successful
3
the fund most affected by the fluctuation of the stock market is the stock fund
the so-called stock fund, a simple understanding is that the fund company takes the money of Jimin to buy stocks. Since it is to buy stocks, fund companies choose stocks up, fund companies make money, the net value of the fund is naturally high; On the contrary, the stock selected by the fund company falls, the fund company loses money, and the net value of the fund is low
in a word, the stock fund will rise and fall with the rise and fall of its selected stock, but the range is different
4. In which fund company is it better to do it (the service charge is more favorable, and the reputation is good)
the handling charge of a fund is different not because of different fund companies, but because of different funds. That is to say, different fund handling charges of the same fund company are also different
therefore, the preferential degree of handling charge is not the basis for choosing funds or fund companies. Now there are all kinds of fund company rankings on the Internet. You can have a look at them, but companies like Huaxia, Guangfa, Nanfang, RONGTONG, e-fonda and Boshi are very good in any rankings
5. Which funds are worth investing now
this problem is too big. There are too many funds worth investing in, so I can't give you a detailed explanation here. You can first determine your own risk tolerance, according to the risk tolerance to choose the type of fund (stock type, bond type, index type, etc.), select the type of fund, and then go to specific selection of a fund< How to select funds
fund selection should not only be bullish or down, but also be based on the situation of the stock market in the same period
when the stock market goes up, the fund goes up; When the stock market falls, the fund falls. This is the case with most funds. More importantly, the stock market rose by 1%, and the fund rose more or less than 1%. In this way, we can see the investment ability of the fund
when choosing a fund, we should not only look at the net value, but also the performance and risk. Performance and risk can not only depend on ratings, but also on specific data, such as half year return, one year return, two-year return, benchmark index, standard deviation, alpha coefficient, etc.
7. Timing of fixed investment fund? Is this the right time to make a decision
fixed investment fund is the simplest and least need to choose the time of fund investment, because the long-term investment time has already spread the investment cost equally, so there is no need to buy expensive or cheap. So it's OK to start casting at any time< Which funds are suitable for fixed investment
there are many funds with good performance that can be fixed investment, but before choosing a fund, it's better to make clear your risk tolerance and fixed investment time, so as not to fall into the investment misunderstanding. For investors with different risk tolerance and investment time, the funds they can choose are different
in addition, I would like to remind you that fund investment does not need to be like stock investment, and there is no need to pay too much attention to the change of net value. Long term accumulation will bring huge profits
for a long-term fixed investment fund, the best choice is index fund. Firstly, the return of index fund is large, and the fixed investment for a long time can avoid the defect of large risk; Secondly, the index fund will not suspend the purchase, which can avoid destroying the established investment plan e to the suspension of the purchase of a certain stock fund
to choose a good index fund, the most important thing is to choose a good index. So you'd better understand the index funds track first. There is no comparability between index funds tracking different indexes. Tracking the same index of index funds, the smaller the tracking error, the better. Of course, the cost of funds tracking the same index should also be considered
now it seems that among the existing index funds in China, the funds tracking CSI 300 index and Shenzhen 100 index have the best profits.
bus line: Metro Line 1 → Metro Line 2 → gubeishui town tourism special line, the whole journey is about 140.7 km
1. Walk about 880 meters from Beijing to Wangfujing Station
2. Take Metro Line 1, pass 2 stations, reach Jianguomen station
3. Walk about 160 meters, transfer to Metro Line 2
4. Take Metro Line 2, pass 3 stations, reach Dongmen Station
5 Walk about 1.2km to dongmenwai station
6. Take Gubei Shuizhen tourism line, pass by 1 station, and reach Gubei Shuizhen station
1. Walk about 630m from Beijing to taijichang intersection west station
2. Take special No. 2, pass 7 stops, and reach Dongmen North Station
3. Walk about 310m, and reach Dongmen hub station
4. Take 980 express, pass 6 stops, and reach Miyun West Bridge Station
5 Walk about 40 meters to Miyun West Bridge gas station
6. Take Mi 37 bus, pass 27 stations to Simatai Village Station
7. Walk about 350 meters to gubeishui town
bus line: Metro Line 5 → metro line 15 → 970 → Mi 51, the whole journey is about 137.9 km
1. Walk about 1.4 km from Beijing to Dongdan station
2. Take Metro Line 5, pass 10 stops, and reach Datun Road East Station
3. Walk about 370 meters, then transfer to metro line 15
4. Take Metro Line 15, pass 13 stops, and reach Fengbo station
5 Walk about 130 meters to Fengbo subway station
6, take bus 970, pass 22 stations to Miyun Nanmen station
7, walk about 150 meters to Tancheng Jiayuan station
8, take bus Mi 51, pass 27 stations to Simatai Village (gubeishui town) station
9, walk about 1.3 kilometers to gubeishui town scenic spot
bus line: Metro Line 2 → gubeishuizhen tourism line, the whole journey is about 138.8km
1. Take Metro Line 2 from Beijing station, pass 4 stops, and reach Dongmen Station
2. Walk about 1.3km, and reach dongmenwai station
3. Take gubeishuizhen tourism line, pass 1 stop, and reach gubeishuizhen station
in fact, all you need is a blood sucking Throwing Knife
Titan suit and dragon suit don't know if they can meet the standard, It should be about 80 ~ 90 defensive power.
the Obsidian cross shield with the most defensive accessories has been upgraded to solid (plus 4 defensive power) 14 * 5 + 90 = 150 defensive power, reaching your 150 defensive power